Cat Insurance

This means that you can ask your vet to report the injury directly to us and that you yourself do not have to spend money for a vet visit. This is handled directly between Hedvig and the veterinary clinic if the visit takes place on a weekday between 8-17. You only pay your deductible, as well as costs not covered by your insurance. Some clinics may charge a small fee to offer direct settlement.

We insure kittens from the age of 12 weeks. This is when they can usually leave their breeder. For the insurance to take effect immediately, you need a veterinary certificate without remarks. The certificate must not be issued earlier than seven days before you picked up the kitten from its breeder.

Your cat insurance with Hedvig applies from the first day if any of the following are met:

1. You sign the insurance before the kitten is 18 weeks old and has an approved veterinary certificate with no objections.

2. Your cat had equivalent insurance with another insurance company before Hedvig, meaning that the cat has had an uninterrupted insurance cover.

3. You can show that a veterinary inspection has been carried out without objections within 30 days after the insurance starts (for the dental disease TR/FORL, specific rules apply, which you can read more about in the terms and conditions).

If not any of the above are met, your cat has accident insurance from day 1 but the insurance does not apply to illnesses in the first 6 months.

Yes, the insurance covers so-called "hidden faults". This means that we provide compensation for treatment and care of an illness or fault that was unknown before you took out the insurance with us. It applies to a congenital, alternatively hereditary, disease or a fault that has developed in the past, but which has not manifested itself and therefore could not be detected.

Previously known diseases are only covered if the animal is declared healthy and if the veterinarian has established that the animal has been fully treated from the previous problem.

Hedvig offers three different levels of cat insurance, where you can choose a fixed deductible of SEK 0, SEK 2 500 or SEK 3 500. In addition to the fixed deductible, you have a variable deductible of 15–25% of the veterinary cost. You only pay the fixed deductible once per insurance year (12 months), regardless of the number of visits to the vet.

Our deductibles

• Basic: SEK 0 or SEK 3 500 fixed + 25% variable

• Standard: SEK 0 or SEK 2 500 fixed + 25% variable

• Premium: SEK 0 or SEK 2 500 fixed + 15% variable

Your fixed deductible will always be SEK 1 000 lower than what is shown above if you first book a digital veterinary call with FirstVet and are referred to a clinic. Unlimited calls with FirstVet are always included in our cat insurance.

Yes, if you have our Standard or Premium insurance, we cover dental care required as a result of the disease TR/FORL or dental damage that occurred after an accident.

Our cat insurance covers veterinary costs abroad up to SEK 5 000 per year and additional costs up to SEK 7 000 per year if your dog is injured and you cannot travel home as planned. It applies in all EU countries, Norway, Great Britain and Switzerland for up to one year per trip. Remember to visit a licensed veterinarian for the insurance to apply.

If you have our Premium insurance, you can receive a compensation of up to SEK 20 000 if your cat disappears, or dies as a result of an injury or illness. The life insurance applies if the cat is not older than 6 years when you sign up for the insurance. You can also receive a compensation of up to SEK 1 500 as support for grief processing.